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- Tasks: Create detailed technical requirements for iwoca's payment system and credit card ledger.
- Company: iwoca empowers small businesses with fast, flexible finance solutions since 2012.
- Benefits: Enjoy a dynamic work environment with opportunities for growth and learning.
- Why this job: Join a mission-driven team making finance accessible for small businesses across Europe.
- Qualifications: Experience in card payments, payment protocols, and cross-functional collaboration is essential.
- Other info: This is a 3-month contract role based in London, ideal for tech-savvy problem solvers.
The predicted salary is between 48000 - 72000 £ per year.
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The Company
Imagine a world where every small business has the power to thrive. That\’s the world we\’re building at iwoca. Small businesses aren\’t just statistics – they\’re the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we\’ve revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that\’s fast, flexible, and actually works for modern businesses.
Solution Architect – Payments
3-month contract (Outside IR35)
London, UK
The Company
Imagine a world where every small business has the power to thrive. That\’s the world we\’re building at iwoca. Small businesses aren\’t just statistics – they\’re the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we\’ve revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that\’s fast, flexible, and actually works for modern businesses.
Our impact speaks for itself: we\’ve provided billions in funding to over 150,000 businesses across Europe, making us one of the continent\’s leading fintech innovators. But we\’re just getting started. Our mission? To empower one million businesses with the financial tools they deserve.
We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it\’s managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.
The role
The objective of this 3-month contract is to deliver a complete set of detailed technical product requirements for iwoca\’s payments system and credit card ledger, laying the foundation for a robust and scalable product. You will play a key role in building cross-functional clarity by leading focused walkthroughs and producing a practical Q&A reference to support implementation, testing, and onboarding. Success will be measured by the timely delivery of clear, actionable documentation and a step-change in team understanding of the payment infrastructure and ledger requirements.
You will:
- Deliver a complete set of technical product requirements for iwoca\’s payment processing infrastructure and credit card ledger
- Define how all transaction types (e.g. authorisation, clearing & settlement, repayments, chargebacks, interest, cashback) affect balances, limits, fees, and system state.
- Define technical requirements to support the authorisation flow, payments infrastructure and the credit card ledger.
- Ensure alignment with Visa/Mastercard scheme rules, regulatory requirements, and internal accounting principles.
- Run structured walkthrough sessions with Product, Engineering, and Finance to explain the transaction logic, authorisation flows and scheme nuances.
- Support knowledge sharing by answering queries and aligning cross-functional understanding.
- Support the architectural design of the payments and credit card ledger system, actively contributing into it.
- Compile a structured, living document addressing key questions raised during the project, covering edge cases, ledger behaviours, scheme rules, and design decisions.
- Ensure it serves as a reference for engineers, QA testers, auditors, and future team members.
The requirements
Essential:
- Experience working with card payments, issuing or processing platforms, tokenisation, and card scheme rules.
- Expertise in payment protocols and security standards such as EMV, PCI, and scheme-specific APIs.
- Direct involvement in modelling end-to-end card transaction flows: authorisation, clearing, settlement, chargebacks, and reconciliation.
- Ability to convert business rules and scheme regulations into system behaviours and requirements.
- Experience working alongside cross-functional teams including Product, Engineering, Compliance and Finance, with enough technical understanding to contribute meaningfully.
- Comfortable writing precise, testable requirements and reviewing their implementation with engineers.
- Able to communicate clearly with both technical and non-technical teams, and document decisions for traceability.
Bonus:
- Awareness of ISO 20022 messaging and PSD3 impacts.
Seniority level
-
Seniority level
Mid-Senior level
Employment type
-
Employment type
Full-time
Job function
-
Job function
Engineering and Information Technology
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StudySmarter Expert Advice 🤫
We think this is how you could land Solution Architect - iwoca
✨Tip Number 1
Familiarise yourself with iwoca's mission and values. Understanding their commitment to empowering small businesses will help you align your responses during interviews, showcasing how your experience can contribute to their goals.
✨Tip Number 2
Brush up on your knowledge of payment protocols and security standards like EMV and PCI. Being able to discuss these topics confidently will demonstrate your expertise and show that you're well-prepared for the technical aspects of the role.
✨Tip Number 3
Prepare to discuss your experience with cross-functional teams. Highlight specific examples where you've collaborated with Product, Engineering, and Finance, as this will illustrate your ability to communicate effectively across different departments.
✨Tip Number 4
Create a list of insightful questions about iwoca's payment processing infrastructure. Asking thoughtful questions during your interview can set you apart and show your genuine interest in the role and the company.
We think you need these skills to ace Solution Architect - iwoca
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities and requirements of the Solution Architect position at iwoca. Tailor your application to highlight relevant experience in card payments, transaction flows, and cross-functional collaboration.
Craft a Tailored CV: Your CV should reflect your expertise in payment protocols, security standards, and your ability to document technical requirements. Use specific examples from your past work that demonstrate your skills in these areas.
Write a Compelling Cover Letter: In your cover letter, express your passion for empowering small businesses and how your background aligns with iwoca's mission. Highlight your experience in leading cross-functional teams and your understanding of payment systems.
Proofread and Edit: Before submitting your application, carefully proofread your documents for any spelling or grammatical errors. Ensure that your writing is clear and concise, as this reflects your attention to detail and professionalism.
How to prepare for a job interview at Jobs via eFinancialCareers
✨Understand the Payment Landscape
Before your interview, make sure you have a solid grasp of the payment processing ecosystem. Familiarise yourself with key concepts like authorisation, clearing, and settlement, as well as the roles of Visa and Mastercard. This knowledge will help you demonstrate your expertise and show that you're ready to contribute from day one.
✨Prepare for Technical Questions
Expect to be asked about specific technical requirements related to card payments and security standards such as EMV and PCI. Brush up on your understanding of these protocols and be ready to discuss how they apply to real-world scenarios. Providing clear, concise answers will showcase your technical prowess.
✨Showcase Cross-Functional Collaboration
Since the role involves working with various teams, be prepared to discuss your experience in cross-functional collaboration. Share examples of how you've successfully communicated complex technical concepts to non-technical stakeholders, and how you’ve facilitated discussions between Product, Engineering, and Finance teams.
✨Demonstrate Problem-Solving Skills
During the interview, you may be presented with hypothetical scenarios or challenges related to payment systems. Use these opportunities to showcase your problem-solving skills. Walk the interviewer through your thought process, highlighting how you would approach the issue and what steps you would take to find a solution.
